ion systems operated by Visa, MasterCard respectively, and their member banks. "Visa Card(s)" or "Card(s)" means the ePassporte Visa Virtual Account and the Visa Electron Card issued by Bank under a co-branding agreement between the Bank and ePassporte and sold by ePassporte. "Visa" meaction limits ("Personal ATM Limits"). You have the option of deactivating the Standard ATM Limits and activating the Personal ATM Limits when You access Your ePassporte Account online for three (3) hour periods. Please note that if You choose to deactivate the Standardve limits on Your Standard Affiliate Account, You must provide a written request to Us. We reserve the right to approve or disapprove this limit change request at Our sole discretion. (6) Email Address: If You cannot log into Your Account to change Your email address, We will require You to provird Personal Account or Standard Affiliate Account that purchased Your Account. For subsequent loads to Your Account, You may use a credit and/or debit card provided that Your credit and/or debit card was approved prior to March 15th, 2006. You will be required The Visa Electron Card will display Your name, a 16-digit card number, a CVV2, and the expiration date of Your Card. Your Visa Electron Card 16-digit card number will not be the same as Your Visa Virtual Account N E. THE WALLET, VISA VIRTUAL ACCOUNT, AND THE VISA ELECTRON CARD ARE NOT CREDIT CARDS. NO INTEREST WILL BE PAID ON THE FUNDS YOU TRANSFER INTO YOUR ACCOUNT AND SUCH FUNDS ARE NOT INSURED BY EPASSPORTE OR ANY GOVERNMENT AGENCYnsaction limit - 1 xi. Daily withdrawal limit by Direct Credit Transfer - US$300 (5) Modification of Account Limits: Should You want to increase any of the above limits on Your Controlled Personal Account, You will be required to provide additional personal documentation to Us, as We may solely determine. A ePassporte Electronic Disclosure Consent permitting Us to send You important information relating to Your Account electronically. When You have carefully read this disclosure, give Your consent by selecting the "I agree" button at the bottom of the page. If You do not accep year that You are charged a Visa Electron Card Replacement Fee, You will not be charged the Visa Electron Card Annual Service Fee. (6) Peer-to-Peer Service Fee. The fee for use of the P2P Service to transfer funds t these terms and conditions, You will not be able to purchase an Account, obtain a Wallet, Visa Virtual Account, or purchase a Visa Electron Card, and You will be returned to Our home page. By giving Your consent below, You agree that We Account. (9) Funds Return Processing Fee. If You request that Your Account be closed and that any funds remaining in Your Account be delivered to You, a Funds Return Processing Fee in the amount of US$50 or the balance. We will investigate the matter and will respond as quickly as is reasonably possible and attempt to resolve the situation. If the funds were sent to the wrong Visa or MasterCard credit or debit card through Our errornsfers. You may transfer funds to Your personal checking account from Your Sponsor Controlled Affiliate Account by wire transfer, and by ACH transfer if the checking account is in a bank in the United States of America, subjec Wallet and a Visa Virtual Account, and may include a Visa Electron Card if purchased by You, or by an ePassporte Business Account Holder. The Standard Affiliate Account is for Your personal use and can be used to purchase goods and/or services, as provided in this Agreemhe remaining funds in Your Account. XI. FEES The following fees apply to Your Account. We will deduct these fees directly from Your Account, as specified below for each fee. You hereby authorize Us to deduct the fees frsfer Fee by Us of up to US$50 to wire funds in Your Account to You. This fee will be charged to Your Account prior to the wire being sent. ii. In addition, intermediate banksnt. iii. Direct Credit Transfers. You may transfer funds by a Direct Credit Transfer to Your personal Visa and/or MasterCard credit or debit cards, which you have authenticated on Our system by onet an ePassporte Account Holder may purchase from Us for use at certain ATMs and certain retail merchants, which is linked to a Visa Virtual Account. "ePassporte Wallet" or "Wallet" means the virtual electronic purse provided free of charge to each ePassporte Account Holder. "u want to increase any of the above limits on Your Standard Affiliate Account, You must provide a written request to Us. We reserve the right to approve or disapprove this limit change request at Our sole discretion. (6) Email Address: If You cannot log into Your Account to change Your email address, We wilYour Account remain the property of the Bank. We may terminate Your right to use such Cards and/or Your Account at any time as provided as provided in this Agreement. You may cancel this Agreement by notifying Us as provided above in Part X. Your termination of tount of the purchase and any applicable taxes, plus twenty percent (20%) of the purchase value, provided You have such amount in Your Account. When You complete Your purchase, the actual value of Your purchase (i.e. meal and any applicable taxes, plus tip)ur Visa Electron Card, We reserve the right to prohibit acceptance of Your Visa Electron Card at certain merchants and/or merchant categories and/or ATMs that accept Visa at Our sole discretion. As an increased security measurECTED BY LAWS COVERING CREDIT CARDS SUCH AS THE UNITED STATES FEDERAL TRUTH IN LENDING ACT. If You believe that any of Your Card(s), Your Account User ID or password or Your PIN have been lost or stolen, or that someone has used any of Your with the owner of the Visa or MasterCard credit or debit card to whom You sent the funds. In this case, We neither assume nor accept any liability for funds that You cannot recover from the recipients or Services from ePassporte or from another party, or if You received the ePassporte Products or Services from any other party. Please read this Agreement carefully and keep it for future reference. I. DEFINITIONS As used in this neither assume nor accept any liability for funds that You cannot recover from the recipient. XX. PRIVACY The circumstances under which We will disclose information about You and/or Your Account are fhese countries. (4) Usage Limits: The following limits apply to Your Controlled Gift Card Account. i. Wallet per transaction maximum amount - US$500 ii. Daily Wallet transaction limit - 10 iii. Visa Virtual Account per transour consent below, You agree that We will provide You with all disclosures, notices and other communications relating to Your Account, including the terms and conditions of this Agreement governing Your use of Our Products y time thereafter. You may also have been provided a Visa Electron Card by another party. The Visa Electron Card is a proprietary form of Visa prepaid card. Your Visa Electron Card is automatically linked to Your Visa Virtual Account; any fou make a balance inquiry, or add funds to Your Account or transfer funds to another Account Holder via Our text message functionality, We will charge Your Account US$0.50. 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